Standard Chartered Ultimate Credit Card

Standard Chartered · ₹5,000 a year

A flat 3.3% in points worth ₹1 each on almost everything, which is among the highest flat rates available.

Base rate: 3.33% as Reward Point.

What the bank says

• Earn 5 reward points per INR 150 spent, with 1 reward point equal to INR 1
• Earn 6,000 reward points, worth Rs 6,000, on paying the joining fee
• Reduced foreign currency markup of 2%
• 4 complimentary domestic lounge visits a quarter
• 5% cashback on duty-free spends

Things that catch people out

• International lounge visits are 1 a month, and only if you spent ₹20,000 on the card the month before.
• The 6,000 welcome points effectively refund the joining fee in year one; our figure does not include them.
• No spend-based renewal fee waiver is published on the card page.

Joining fee: ₹5,000. Foreign currency markup: 2%.

Read from Standard Chartered’s own page on 2026-09-16.

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